Locating the most affordable Fort Collins Porsche Cayman insurance quotes on the internet is problematic for people new to quoting and price shopping online. With such a large number of agents and companies in the marketplace, how are people able to have a chance to compare every possible option in order to find the lowest price?

Insurance rates Porsche Cayman in Fort CollinsShocking but true, most consumers in Colorado have remained with the same auto insurance company for more than four years, and just under half have never even shopped around for lower-cost coverage. American drivers could save themselves nearly 47% a year by just shopping around, but most undervalue how much money they would save if they switch to a new company.

It's smart to quote other rates yearly because auto insurance prices fluctuate regularly. Even if you got the best deal on Porsche Cayman insurance in Fort Collins a couple years back the chances are good that you can find a lower rate today. You'll find quite a bit of inaccurate information about Cayman insurance online but I'm going to show you some great ways to lower your auto insurance bill.

When shopping for cheaper Fort Collins auto insurance quotes, there are a couple of ways of comparing price quotes from many insurance companies in Colorado. One of the best ways to compare Porsche Cayman insurance prices is to get quotes online.

It's important to know that getting more free quotes helps increase your odds of locating the best rates. Not every company allows you to get online rate quotes, so you also need to get quotes from those companies as well.

The companies in the list below provide quotes in Colorado. If multiple providers are shown, we recommend you visit as many as you can to get the most competitive price.

Porsche Cayman Insurance Cost Estimates in Fort Collins, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cayman 2-Dr Coupe $360 $822 $396 $24 $118 $1,720 $143
Cayman S 2-Dr Coupe $428 $784 $460 $28 $138 $1,838 $153
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Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Price information does not factor in specific garaging location which can revise coverage rates greatly.

Physical damage deductible comparison

The illustration below highlights how deductible selection and can raise or lower Porsche Cayman annual premium costs for different age categories. The premium estimates are based on a married female driver, full physical damage coverage, and no other discounts are factored in.

Rate comparison for different deductibles

When comparing auto insurance rates, the most common question is where to set your physical damage deductibles. The following insurance rates can help show the rate differences when you select higher and lower comp and collision deductibles. The first rate estimation uses a $250 deductible for comprehensive and collision coverage and the second pricing table uses a $500 deductible.

Porsche Cayman insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cayman 2-Dr Coupe $376 $702 $352 $20 $106 $1,581 $132
Cayman S 2-Dr Coupe $376 $784 $352 $20 $106 $1,663 $139
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Porsche Cayman insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cayman 2-Dr Coupe $306 $566 $352 $20 $106 $1,350 $113
Cayman S 2-Dr Coupe $306 $632 $352 $20 $106 $1,416 $118
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Premium costs do not factor in specific zip code location which can raise or lower premiums greatly.

We can derive from the above data that using a $250 deductible will cost in the ballpark of $20 more each month or $240 for a full year than choosing the higher $500 deductible. Because you would pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you normally average more than 13 months between claim filings, you would most likely save money if you choose the higher deductible.

Violations and accidents raise rates

The example below illustrates how traffic citations and fender-benders can affect Porsche Cayman premium costs for each different age category. The price estimates are based on a single female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied to the premium.

Insuring your Porsche Cayman just makes sense

Despite the fact that auto insurance is not cheap in Fort Collins, insuring your vehicle serves a purpose in several ways.

The benefits of having auto insurance are without a doubt worth the cost, especially if you ever need it. As of last year, the average driver in Colorado is currently overpaying as much as $820 a year so it's recommended you shop around every year to save money.

Components of Your Porsche Cayman Insurance Premiums

When buying insurance it's important to understand some of the things that play a part in calculating your policy premiums. If you have a feel for what determines premiums, this empowers consumers to make smart changes that will entitle you to cheaper rates.

Extra policy coverages can cost a lot - There are a ton of optional add-on coverages that can waste your money if you aren't careful. Coverage for things like replacement cost coverage, accident forgiveness, and additional equipment coverage may not be needed and are just wasting money. These coverages may sound good initially, but if you've never needed them in the past remove them and pocket the money.

High deductibles cost less - Physical damage coverage, termed comprehensive and collision coverage on your policy, protects your Porsche from damage. Some examples of claims that would be covered could be collision with another vehicle, damage caused by hail, and windstorm damage. Physical damage deductibles tell how much the insured will be required to pay before your insurance pays a claim. The more damage repair cost the insured is willing to pay, the lower your rates will be.

Save money with alarms and GPS tracking - Purchasing a vehicle with a theft deterrent system can help lower your rates. Anti-theft features like OnStar, LoJack tracking, and tamper alarms can help prevent vehicle theft.

Lower premiums for vehicles with better crash test results - Vehicles that have high safety ratings can get you lower premiums. Highly rated vehicles reduce injuries and lower injury rates translates into fewer and smaller insurance claims passed on to you as lower rates. If your Porsche scored better than four stars on Safercar.gov you may pay a lower rate.

Where you live can affect rates - Choosing to live in a rural area can be a good thing when trying to find low car insurance rates. Lower population translates into fewer accidents as well as less vandalism and auto theft. City drivers have congested traffic and much longer commute distances. Higher commute times means more chances of being involved in an auto accident.

Loss probability for a Porsche Cayman - Insurance companies use statistical claims data when they file their rates in each state. Models that the statistics show to have higher loss trends will have higher rates for specific coverages. The information below illustrates the insurance loss data for Porsche Cayman vehicles.

For each policy coverage, the statistical loss for all vehicles, regardless of manufacturer or model, is a value of 100. Values below 100 suggest a better than average loss history, while values over 100 indicate more frequent claims or an increased chance of a larger loss.

Porsche Cayman Insurance Claim Statistics

Specific Porsche Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Porsche Cayman 2dr 183 40 99 36
BETTER
AVERAGE
WORSE

Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Auto insurance policy discounts for Porsche Cayman insurance in Fort Collins

Auto insurance is expensive, but companies offer discounts that many people don't even know exist. Some trigger automatically at the time of quoting, but some must be specially asked for prior to getting the savings. If you do not check that you are getting every discount possible, you're just leaving money on the table.Save money with discounts

Just know that most discount credits are not given to your bottom line cost. A few only apply to the cost of specific coverages such as liability and collision coverage. Just because it seems like you would end up receiving a 100% discount, auto insurance companies aren't that generous.

Large auto insurance companies and some of their more popular discounts are shown below.

If you need lower rates, check with each insurance company how many discounts you can get. Some of the earlier mentioned discounts may not be available in Fort Collins.

Special considerations

When quoting and choosing your policy for your personal vehicles, there really isn't a single plan that fits everyone. Your needs are not the same as everyone else's and your car insurance should be unique as well.Drive safe and save For example, these questions may help highlight if your situation may require specific advice.

If you're not sure about those questions but a few of them apply then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

When should I contact a local insurance agent?

Many drivers would rather visit with an insurance agent. An additional benefit of comparing auto insurance online is the fact that drivers can get cheaper rates and also buy local.

Find insurance agent in Fort CollinsTo help locate an agent, after submitting this quick form, your coverage information is instantly submitted to insurance agents in Fort Collins that can provide free Fort Collins auto insurance quotes to get your business. You don't have to find an agent on your own since price quotes are sent directly to you. Get lower rates without the usual hassles of price shopping. If you have a need to compare rates from a specific company, you can always visit that company's website and fill out the quote form the provide.

Picking the best provider requires you to look at more than just a cheap quote. These are some questions your agent should answer.

Types of auto insurance agents in Fort Collins

When searching for a local agent, it's important to understand the different types of agencies to choose from. Auto insurance agencies are considered either exclusive agents or independent agents.

Exclusive Agencies

These type of agents are contracted to one company such as AAA, Allstate, State Farm, or Farmers Insurance. These agents are not able to compare rates from other companies so they have to upsell other benefits. They are well schooled on their products and sales techniques which helps them sell on service rather than price. Consumers frequently purchase coverage from exclusives primarily because of high brand loyalty rather than low rates.

The following is a short list of exclusive agents in Fort Collins that are able to give rate quotes.

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Independent Agencies or Brokers

Agents that choose to be independent are not required to write business for one company and that gives them the ability to insure with many different companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, an independent agent can move your coverage and you don't have to find a new agent. If you need lower rates, you need to get quotes from a few independent agents so that you have a good selection of quotes to compare. Many can place coverage with smaller mutual companies who may have lower rates.

The following is a list of independent agencies in Fort Collins willing to provide price quote information.

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More comparisons equals cheaper rates

Some companies may not provide rates over the internet and many times these small, regional companies sell through independent agencies. Cheaper Porsche Cayman insurance in Fort Collins is definitely available from both online companies and with local Fort Collins insurance agents, and you need to comparison shop both to have the best selection.

When trying to cut insurance costs, do not buy poor coverage just to save money. There have been many cases where an insured cut collision coverage only to find out that their decision to reduce coverage ended up costing them more. The proper strategy is to buy a smart amount of coverage at the lowest possible cost while still protecting your assets.

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